Atlas Group


International Travelers Medical and Travel

Safety Insurance

by Tokio Marine HCC

for travel in groups anywhere in the world

International Travelers: Health and Travel Safety Insurance for Groups

When you are traveling abroad from your home country in a group of five (5) or more, you need medical and travel protection for your health and travel safety. Atlas Travel Insurance by Tokio Marine HCC MIS is made for you. Insurance protection is available from minimum 5 days to 364 days. In addition to medical benefits for injuries and illnesses, Atlas Group travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports. You get a 10% discount for groups or families of five or more.

Things to know before I sign up for it

Who is eligible for this medical insurance?

  • U.S. and Non-U.S. Citizens who are at least 14 days age and traveling with a group of at least five (5) members are eligible for coverage outside of their home countries, except as provided under home country coverage.
  • U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period. Individuals age 70 to 79 as of the certificate effective date are subject to a $250,000 overall maximum limit or less.
  • Individuals age 80 and over as of the certificate effective date is subject to a $10,000 overall maximum limit.U.
What are the brief features of this medical insurance?

Deductibles are in range from $0 to $5,000 per Certificate Period.

  • Coinsurance is 100% of eligible expenses after meeting deductible up to overall maximum.
  • The period of coverage for medical expenses due to illness and accident is from the moment you depart from your home country and stay abroad to the moment of your arrival back to home country. In addition to medical coverage, the policy also covers emergencies like:
    • emergency medical evacuation,
    • repatriation of remains, local burial or cremation, accidental death and dismemberment,
    • terrorism,
    • crisis response like ransom, personal belongings, emergency reunion, bedside visit, return of minor children, pet return, political evacuation, trip interruption, lost checked luggage, travel delay, emergency dental, natural disaster, hospital indemnity, and personal liability.
    • After termination of the coverage period within departure and arrival back to your home country, you have an extended coverage of a Benefit Period of up to 90 days beginning on the first day of diagnosis or treatment of Injury or illness you sustained abroad.
    • In addition to coverage abroad, your policy covers ‘Incidental home country coverage’ in case you make incidental trip(s) back to your home country.
      • For U.S. home country: For every three-month period during which you are covered, eligible medical expenses incurred in the U.S. are covered to a maximum of 15 days.
      • For Non-U.S. home country: For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
    • The policy does not cover you if you get back to your home country with the purpose to obtain treatment of an illness or injury you sustained abroad.
    • The maximum certificate period of a policy is 364 days. A ‘certificate period’ is the duration between commencement and termination of a policy. This is the evidence of your insurance coverage showing plan type, period of cover, home country, deductible, special terms and conditions, benefits, and geographical area of cover.
    • You can renew coverage for two additional coverage periods. Coverage renewal requires satisfaction of a new deductible and coinsurance. If you are not this category of traveler, the maximum duration of coverage is 364 days and coverage is not renewable. You can do extensions and renewals online in your ‘Client Zone’ account.
    • You must familiarize yourself with a number of exclusions in the plan. .
    • Worldwide travel and medical assistance is available 7 days a week.
    • Browse over the premium rates of this plan.
What do I need to know before I sign up?

Click and familiarize yourself with the following published material:

Browse Brochure Download Brochure Browse Description of Coverage Download Description of Coverage
browse group group download description group


How do I find medical care providers?

This plan comes with worldwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses.

Click below to find about networks of Medical Care Providers in U.S. and worldwide:

Worldwide Providers Network

National PPO Network in U.S Doctors Network in U.S. Dental Providers in U.S.
St-Waorldwide Providers Network ST-National PPO Network in U ST-Doctors Network in U.S. ST-Dental Providers in U.S.

I just signed up. Now What?


An email arrives in your Inbox from Tokio Marine HCC MIS. Read instructions and save this email.


Register your account. This is Client Zone. Familiarize yourself with your account page. Download what you need.


Your ID cards should arrive in the mail in about 3-5 days.


Go over the policy and understand its scope, benefits, and limitations.


Find doctor you want to visit, make appointment, and settle fee payment arrangements.

How do I make sure my medical bills are cleared timely?

If you are outside the U.S.

Check with the provider of the medical services if they accept your insurance ID card of Tokio Marine HCC policy and have capability to process medical claims directly. In this case, assign processing of bills to the medical service providers.

If the medical service providers do not process claims with insurer, take all bills from providers, pay for services upfront, take receipts of payments you to make and then file claims with insurance company for reimbursements. Your service provider may accept to wait for you to have insurance company pay directly and establish relationship.

If you are in the U.S.

Verify with the medical service providers in the network that they accept Tokio Marine HCC policy and they will process the claims directly with the insurance company. If so, the insurance company will notify you in Explanation of Benefits statement showing claims paid, claims denied, and what you owe.

Note of caution!

In either case, it is important that you file medical claims with the insurance company or have your medical service provider file claims and check their status online.

If your medical service provider is not dealing directly with insurance company, download online Claim Form, fill the medical services you received, bills of the service providers and submit paper claim by mail, or scan and submit claims to, or preferably go to Client Zone of your registered account, login and submit the claims. You can fill the forms online as well and email supporting bills. As your claims are processed, you will receive a statement of Explanation of Benefits (EOB) from Claims Examiner, which will show claims paid or denied.

I’m a policyholder. I need help!

Phones (U.S.): 800.605.2282 - 317.262.2132


Call us at 407-792-6060 or leave message below.
We’ll get back to you within 24 hours.


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Licensed in FL, TX, VA | NPN: 8652757